The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,248
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$450/mo
Today · 4.125%
HK$15,141
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$922/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,282/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,851
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$431/mo
Today · 4.125%
HK$16,707
baseline
▲ 0.50% · 4.625%
HK$17,588
+HK$881/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,414/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$541/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$517/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$631/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,290/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$604/mo
Today · 4.125%
HK$23,390
baseline
▲ 0.50% · 4.625%
HK$24,623
+HK$1,233/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,780/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$810/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,659/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$776/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,658
+HK$1,586/mo
Deposit HK$625K · loan HK$5.62M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$159,834 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).